💛 Life insurance cost in Maryland (2026)
The estimated average is $25 per month — below the national average (-4% vs. the U.S. average of $26).
Maryland is home to about 6.2 million people, and life insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Baltimore typically differ from smaller towns.
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Maryland life insurance estimator
Starts from the Maryland average. Estimate only — get quotes to confirm.
Life insurance cost in Maryland cities
| City | Population | Est. life insurance |
|---|---|---|
| Baltimore | 569,931 | $25 |
| Columbia | 104,681 | $25 |
| Germantown | 91,249 | $25 |
| Silver Spring | 81,816 | $25 |
| Annapolis | 40,812 | $25 |
Maryland life insurance FAQ
How much is life insurance in Maryland?
The estimated average life insurance in Maryland is $25 per month, which is below the national average (-4% vs. the U.S. average of $26). Maryland ranks 31 of 51 states from most to least expensive.
Why is life insurance cheaper in Maryland?
Life insurance pricing in Maryland reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on life insurance in Maryland?
Compare at least three quotes from insurers active in Maryland, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.